If you are looking for information about the X1 Credit Card, then you are at the right place. We will tell you how to login with your TOX1 credit card.
The X1 Credit CardΒ is a financial product offered by Valero Energy Corporation, primarily designed for individuals who frequently purchase fuel and other products at Valero-branded gas stations and convenience stores. This credit card typically provides benefits, including fuel discounts and, in some cases, rewards or cashback on various purchases.
What is the X1 Credit Card?
The X1 Credit Card stands out as a unique financial tool introduced by the fintech firm X1 Credit. Distinguishing itself from traditional credit cards, this innovative offering operates on a secured model. To initiate an account, individuals are required to submit a security deposit, mirroring their eventual credit limit.
Key Features and Benefits
Rewards: The X1 Credit Card offers a generous earnings structure, with rewards worth 1 cent per point at select merchants, and can also be redeemed for instant cash back. Rewards can be redeemed by making purchases at any of X1βs list of partners and receiving a statement credit against that purchase. You can also redeem your rewards for cash back as a statement credit, but the value is less than a penny per point.
Creditworthiness: The X1 Credit Card uses income to determine creditworthiness rather than relying solely on credit scores, which could result in a limit up to five times higher than a traditional credit card.
No Annual Fee: The X1 Credit Card has no annual fee, making it a cost-effective option for cardholders.
X1 Card App: Cardholders can manage their account through the X1 Card app, which offers a variety of features, including transaction search, real-time transaction notifications, virtual card generation, and a simple transaction dispute feature.
High Credit Limit: The X1 Credit Card offers a high credit limit, with the average credit limit being $24,300.
Unique Benefits: The X1 Credit Card offers unique benefits, such as disposable virtual card numbers, seamless subscription payment cancellation, and anonymous spending.
Interest Rates: The X1 Credit Card has a variable APR ranging from 15.25% to 29.99% on purchases and balance transfers.
How to Log in to Your X1 Credit Card
- Navigate to the X1 Credit Card Sign-In portal.
- Input your account number and SSN.
- Select Sign In.
- You are now successfully logged into your X1 Credit Card account.”
To log in on the X1 Credit Card website
To log in using the X1 Credit Card app
- Launch the X1 Credit Card application.
- Press the sign-in button.
- Provide your user ID, account number, and password.
- Tap the Sign In button.
- Congratulations! You are now signed in to your X1 Credit Card account.”
How to Apply for X1 Credit Card
To apply online
- Go to the X1 Credit Card: Apply Now page.
- Enter your personal information, such as your name, address, date of birth, and Social Security number.
- Enter your income and employment information.
- Review your application and click Submit.
To apply by phone
- Call X1 Credit Card customer service at 1-800-333-3560.
- Provide your personal and financial information to the customer service representative.
- Review your application and submit it over the phone.
Phone Number
The X1 Credit Card phone number is 1-800-333-3560. You can call this number to activate your card, make payments, report lost or stolen cards, and get help with other account-related issues.
X1 Credit Card customer service is available 24 hours a day, 7 days a week. You can also contact X1 Credit Card customer service online or via chat.
Customer Service
Phone: Cardholders can call X1 Credit Card customer service at (855) 903-1179 to speak to a representative about their account, including checking their rewards balance, making a payment, or reporting a lost or stolen card.
Email: Cardholders can email X1 Credit Card customer service at [email protected] or [email protected] for issues with the X1 Card app or general inquiries.
Online: Cardholders can manage their account online through the X1 Card app, which offers a variety of features, including transaction search, real-time transaction notifications, virtual card generation, and a simple transaction dispute feature.
Mail: Cardholders can send correspondence to X1 Inc. at 548 Market Street, Suite 30684, San Francisco, California 94104, United States.
Activation
To activate your card on the X1 Credit Card website
- Go to the X1 Credit Card Sign-In page.
- Click the Activate Your Card button.
- Enter your account number and SSN.
- Click the Continue button.
- Create a user ID and password.
- Click the Finish button.
To activate your card using the X1 Credit Card app
- Open the X1 Credit Card app.
- Tap the Activate Your Card button.
- Enter your account number and SSN.
- Tap the Continue button.
- Create a user ID and password.
- Tap the Finish button.
Payment
Online: Cardholders can make a payment on their X1 Credit Card online through the X1 Card app, which offers a variety of features, including transaction search, real-time transaction notifications, virtual card generation, and a simple transaction dispute feature.
Phone: Cardholders can call X1 Credit Card customer service at (855) 903-1179 to make a payment over the phone.
Mail: Cardholders can send their payment to the following address: X1 Inc., P.O. Box 660371, Dallas, TX 75266-0371.
Auto Pay: Cardholders can set up Auto Pay to have their payments automatically deducted from their bank account each month.
Payment Address
The X1 credit card payment address is:
X1 Credit Card Services
P.O. Box 9001033
Louisville, KY 40290-1033
Interest Rate
The X1 Credit Card has a variable interest rate of 20.24%β29.99% APR, depending on your account type. The rate may change based on market conditions.
Conclusion
The X1 Credit Card is a premium credit card offered by X1 Card, designed to provide a unique and high-quality experience to its cardholders. The X1 Credit Card stands out for its metal card design, dynamic credit limit, cashback rewards, and transparency in its benefits. Here are some key takeaways:
FAQ
What is the X1 Credit Card?
The X1 Credit Card is a premium credit card offered by X1 Card, known for its metal card design and unique features, including a dynamic credit limit and cashback rewards.
How do I apply for an X1 credit card?
To apply for an X1 Credit Card, you typically need to visit the official X1 Card website, complete the application process, and provide personal and financial information.
What are the key features of the X1 Credit Card?
Key features of the X1 Credit Card include a dynamic credit limit, no annual fee, cashback rewards, transparency with “1% Back on Everything,” and a metal card design.
What is the interest rate (APR) on the X1 Credit Card?
The interest rate on the X1 Credit Card can vary based on your creditworthiness. The specific APR is typically disclosed in the card’s terms and conditions.
How can I make payments on my X1 credit card?
Payments can be made through your online account on the X1 Card website. You can typically pay with a linked bank account or a debit or credit card.
How can I make payments on the X1 Credit Card?
Payments can be made through various methods, such as online transfers or via the X1 Credit Card app.
What are the benefits of using the X1 Credit Card?
The X1 Credit Card offers benefits such as credit building, tailored features, and potentially lower fees for individuals with bad credit.
Is there an annual fee associated with the X1 Credit Card?
Information about fees, including annual fees, can be found in the terms and conditions provided by X1 Credit.
How long does it take to receive a decision on X1 credit card applications?
The timeframe for application decisions may vary and is typically communicated by X1 Credit during the application process.
Can I increase my credit limit on the X1 Credit Card?
Some credit cards allow for credit limit increases; check with X1 Credit for specific details regarding their policies.
What security measures are in place for X1 credit card accounts?
X1 Credit implements various security measures to safeguard customer information, and details can be found in their security policy.